In general, when a person who is not the owner of a vehicle operates it with the owner's permission, they are considered a permissive user. In such cases, the owner's insurance policy usually provides liability coverage for the permissive user, meaning that the insurance company will be responsible for paying for damages caused by the permissive user while driving the vehicle. This coverage is typically subject to the limits and deductibles specified in the owner's policy.
However, there may be exceptions to this general rule. For instance, if the permissive user is operating the vehicle for their own personal purposes, the owner's insurance may not provide coverage. Similarly, if the permissive user is under a certain age or has a poor driving record, the owner's insurance may exclude coverage for them.
In addition, some insurance policies may contain specific provisions regarding permissive use, which may affect coverage. For example, some policies may require the permissive user to be listed on the policy or may impose restrictions on the types of activities that the permissive user can engage in while driving the vehicle.
To determine who is responsible for payments in the event of an accident involving a permissive user, it is important to carefully review the terms and conditions of the owner's insurance policy and any applicable laws and regulations.
